Run a credit check, which will include her address history and the dates she lived at each one. 

What's the lowest credit score you will allow?

Quote from @Clayton Silva: Quote from @Jeffrey Blackman: Quote from @Clayton Silva: 2nd position HELOCS on investment properties are typically capped at 70% LTV and have rates ranging from 9-11% just a heads up unless you use a local credit union where you have cash on deposit with them. 

Credit cards have the same limitation on the amount you can borrow and will likely end up costing more than private lenders.

I can’t imagine the returns you would have to generate. 22% federal tax, plus 8% state tax, plus 10% penalty.

We would all love to have that note that has 5 years of perfect payments, 800+ credit score and a 20-25% down payment. 

I don't take credit cards but I believe stripe does.   

The goal of a HELOC is a quick line of credit to either refinance or sell and pay back the HELOC as soon as possible.PS - I would recommend taking a look into the Columbus Ohio market, there's tons of 1% rule deals still within the 120-180k price point with amazing appreciation potential.

Make sure to account for property taxes, insurance, and any HOA fees, as those can vary significantly in different markets and impact your cash flow.

Investing in a mortgage fund should not have tax implications for your Roth IRA since the investment is passive.